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Checking Accounts

Centennial Bank checking accounts are designed with today's lifestyles in mind. Whether you prefer fast electronic banking on the go, desire added protection from ID Protect and AD&D Insurance or want an account that pays interest, we have a product with benefits to suit your needs. To decide which one is right for you, read the options available, and then drop into your local Centennial branch and let a friendly team member assist you with your choice.

Click here for a printable brochure of our different Checking Accounts or here to open your new account online. To learn about the Centennial Bank Health Savings Account, click here.

Personal Checking Products

  Centennial Club Checking eFree Checking Freedom Checking Diamond Checking
For Customers age 50+
Opportunity 100 Checking
For those looking to re-establish a banking relationship

** Debit card replacement fees apply

+Not available in all locations

What is the Minimum Amount to Open? $100 $100 $100 $100 $100
What is the Minimum Daily Balance to Avoid a Service Charge? No Minimum No Minimum No Minimum No Minimum No Minimum
What is My Monthly Service Charge? $6.95 No Service Fee $5.00 No Service Fee $9.95 w/ direct deposit
$12.95 w/o direct deposit
Is There a Limit on the Number of Transactions Per Month? No Limit No Limit No Limit No Limit No Limit
Do I Earn Interest? No No No Yes No
What Other Benefits Do I Receive?
  • Free Notary Service
  • One Half-Price Safe Deposit Box per account
  • Free Statement Binder
  • Free Instant-Issue Debit Card**
  • $10,000 AD&D Insurance*
  • Identity Theft Monitoring and Protection*
  • 3 in 1 Credit Bureau monitoring and Credit Report*
  • Cash Back Members Reward*
  • Entertainment and Travel Discounts*
  • Click Here for Full Account Benefits and Requirements

Free Statement Binder, Free Instant-Issue Debit Card**, Free Mobile Banking, Free IPhone®/Android App, Free Online Banking, Free Coin Machine Transactions +, Free Basic Bill Pay

Additional Information eStatements Required   Account Qualifications Apply
Statements Paper Statements or eStatements by request eStatements required Paper Statements or eStatements by request Paper Statements or eStatements by request Paper Statements or eStatements by request



Bank Owned Real Estate

Browse Centennial Bank's Properties for Sale, or Real Estate Owned List, including but not limited to residential and commercial properties acquired by Centennial Bank, their Affiliates, or as Servicer, through foreclosure.

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Smart Option
Student Loans®

The Centennial Bank Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

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DISCLAIMER: These products are not a deposit, not FDIC insured, not guaranteed by the Bank, may lose value, including loss of principal.